Diversified Consultants, Inc

2017-08-12

Chicago, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-08-12

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This balance was paid on XX/XX/XXXX, over a moth later I disputed this account with all credit bureaus and company reported to XXXX the account in question was accurate when it was n't, it 's paid and should be removed.
Company Response: Closed with explanation

Timely Response

2017-08-12

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-08-11

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-11

Georgetown, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-08-11

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-11

Poughkeepsie, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2017-08-10

Homestead, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-08-10

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-10

Cartersville, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-10

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.
Company Response: Closed with explanation

Timely Response

2017-08-10

Irvine, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2017-08-09

Five Points, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I filed a dispute with XXXX in reference to a debt collection company called Diversified Consultants and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''. According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Diversisfied Consultants and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

Vallejo, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

NJ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I learned that XXXX had sent a mobile phone debt to a third party collection agency Diversified Consultants Inc. when I applied and cosigned for a student loan for my son on X/XX/17. This appeared on my credit report under collection account. XXXX did and does not show anywhere on my credit report as the account was under my past employer. I utilized XXXX services when I worked for a former employer, received e- bills via email that I sent in with my expense account monthly for payment. We I left my former employer, the phone was taken away and I did not have access to email. The XXXX account did not show on my credit report as it was set up by my former employer. I called XXXX escalations at XXXX. I spoke with a Rep XXXX and his supervisor XXXX. He mentioned I had a balance of {$240.00} on the account. I told him about this being sent to Diversified for collection without every receiving a paper statement due to e-bill and not being to access when I left my previous employer. I would have paid the balance if I knew it existed to avoid issues. He told me that the debt would be recalled from Diversified and deleted from my CR if I resolved the balance, which I did, on X/XX/17. XXXX told me Diversified would received the letter within 48 hours. I spoke with his supervisor XXXX and she confirmed what XXXX had communicated to me. I also wrote a recognition letter based on XXXX 's patience and understanding in resolving this matter. ( I have copies of the emails sent to XXXX and payment confirmation ) .On XXXX/XXXX/XXXX, I called Diversified Consultants at XXXX and spoke with XXXX XXXX . I asked her if she received the retraction letter from XXXX and she indicated she did not. I asked her how she receives correspondence from XXXX and she told me electronically. On XX/XX/17, I then called XXXX escalations and spoke with XXXX as XXXX and XXXX were not available. He confirmed that the balance was resolved in full and the letter to recall the debt with Diversified was sent. I have a copy of the payment receipt so I asked him for a copy of the balance statement and information on the details sent to Diversified Consultants. Since this was communicated being sent electronically, it should have been available for the Diversified rep XXXX to view. XXXX put be on a brief hold and returned to tell me he could not provide me a copy of the letter or closing statement. He told me to wait and see what happens but could not validate the exact terms in the letter sent to Diversified. I then called back XXXX and she told me that I have to resolve this with XXXX as they are a debt collector. I asked to speak with a manager and she told me my agent was not available. I expected this to be resolved timely by XXXX based on my discussions and their commitments. My sons loan is on hold due not having the opportunity to resolve this when it was due. I never receive any letters from XXXX or Diversified Consultants.
Company Response: Closed with explanation

Timely Response

2017-08-08

Daphne, AL

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: This company Diversified Consultants , Inc. calls and harasses me all day long! they leave messages or they hang up. Trying to scare me into paying for something.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

Sidney, IA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-08-08

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2017-08-08

Cooper City, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2017-08-08

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company continues to keep reporting a account to the credit bureau that is not mine it has been removed 3 times and added back to reage the account so they can try to collect for something that was never mine. The account continues to come back verified which there is no way I received a bill from them that had a address that I 've never lived at I contacted XXXX the original owner of this account they told me the account was opened online an was over 7 years old they could n't give me a lot of information or even when the account was originally opened but they said it was n't in there systems I filed a identity theft and this should have stayed removed from my credit I also contact this agency they only gave a bill they never showed proof of signature or anything validating this clam and XXXX no longer owns the account an ca n't give me any information so seeing that the original creditor sold this debt to Diversified Consultants they forfeited their rights to collect any thing from me as well as no one can produce a signature or a address that I 've actually lived at. Also I never agreed or signed a contract with this agency XXXX removed this account from my credit years ago due to me filing this same complaint and sold it to this company.
Company Response: Closed with explanation

Timely Response

2017-08-07

Phila, PA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-08-07

August F. Haw, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-08-07

Orlando, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-08-07

Omaha, NE

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2017-08-05

WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX XXXX , 2017 I paid my collection to XXXX XXXX XXXX for a debt owed to XXXX XXXX XXXX in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and XXXX and verfied that it was paid and the debt is no longer owed. Today ( XXXX XXXX , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.
Company Response: Closed with non-monetary relief

Timely Response